Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".

On 2026-04-30, Representative Cleo Fields (D-LA) introduced HJRES163, a joint resolution of disapproval under the Congressional Review Act. The resolution targets a Bureau of Consumer Financial Protection rule withdrawal concerning 'Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest'. The bill has been referred to the House Committee on Financial Services and has seen no additional legislative action. As an early-stage procedural bill with a single Democratic sponsor and no companion legislation in the Senate, its path to enactment is highly uncertain. The resolution does not authorize or appropriate any funding. The CFPB rule in question is narrow in scope, affecting mortgage servicing procedures for successors-in-interest. Even if enacted, the resolution would merely block the withdrawal of an existing rule, maintaining the regulatory status quo. No specific publicly traded companies are directly or materially affected by this procedural action. The legislative timeline is indeterminate; the bill would need to pass both chambers and be signed by the President, which is unlikely given the current divided Congress and early stage.